I have never been a person that starts repeating the same resort over and over again. Even if I like a place I'll generally stay somewhere different next time just to check it out. So I am leaning toward buying 200 SSR points resale and calling it a day. That should be enough (with borrowing/banking) to give me a enough for Aluani 2 bedroom villa over christmas if I wanted to take some extended family (a vacation we have discussed for quite a while) as well as get us almost almost anything available for the 5 of us at WDW during the summer months or over school breaks) the money saved could pay for at least one international vacation that I have been waiting to do for several years now (the last 5 years our house has been a baby factory so my vacation funds have just been piling up). We love the Poly don't get me wrong, but I think its a deal breaker, Worst case scenario we would have to Book SSR, but I honestly don't think thats that bad either. The points there are good until I am 72, my youngest will be 39. I think that covers my bases pretty well. Keep the comments rolling. I love the different perspectives on this. As much as I read before the purchase, its hard for me to think about it in real dollars until the real dollars on the table, now I'm starting to realize what I can do with those extra funds.